Khumbula ukulinganisa zonke izinto ezibalulekileyo ngaphambi kokuba wenze esi sigqibo
NgokweSifundo se-inshurensi ye-inshurensi ka-2015, esenziwa yinkonzo yezezimali zehlabathi jikelele kunye ne-LIMRA eqhagamshelana ne-LIMRA, kunye neqela lezemfundo ye-inshorensi ye-Life Happens, i-80 ekhulwini yabathengi banamaqondo angalunganga malunga neendleko zentsholongwane yomshuwalense.
Ii-Millennials zikholelwa ukuba imigaqo-nkqubo ye-inshorensi yobomi ingaphezu kwamaxesha amathathu axabisa kunokuba ayinyani, ukuhlawula iindleko ngama-213 ekhulwini. UGen Xers uhlawula iindleko ngama-119 ekhulwini.
Ukubeka ezinye izinto ezibalulekileyo phambi kwe-inshorensi yobomi
Ngenxa yokuxhalabisa ngeendleko zomshuwalense webomi, abaninzi abantu bakhetha ukusebenzisa imali yabo kwiindawo apho bafumana khona iimfuno zezimali ezikhawulezayo. Ucwaningo lweBarometer lufumene oku kulandelayo:
- Iipesenti ezingama-29 zeMillennials zikhankanya ukugcina iholide njengento ephambili xa kuthengwa enye inshurensi okanye ngaphezulu kwe-inshorensi yobomi;
- Amaphesenti angama-23 kaGen Xers athi ukuhlawula imisebenzi yokuzonwabisa njengokwenza ukutya, iifilimu okanye ukuthenga kuyona nto ibaluleke ngaphezu kokuthenga enye inshorensi yobomi okanye ngaphezulu;
- Iipesenti ezingama-49 zalaba-65 nangaphezulu zikhankanya ukuhlawula iindleko ezifana ne-Intanethi, ikhefu kunye neefowuni njengeyona nto ephambili xa kuthengwa enye inshurensi yempilo okanye ngaphezulu, kwaye iipesenti ezingama-60 ze-Millennials zathi zifanayo.
Ubomi Bomshuwalense Unokukhusela Abathandekayo Bakho
Ubomi bomshuwalense yinto ephikisanayo - ngesizathu esihle. Idla ngokuphindaphindiweyo ukuba ukuba ubeka imali ngokubakho imali oyihlawulayo kwi-premium kwinkampani yakho yomshuwalense, impilo yakho ekufeni kwakho iya kuba yinto engaphezulu. Nangona kunjalo, umntu akanako ukuqikelela ikusasa kwaye xa kwenzeka ukufa ngokungalindelekanga, umgaqo-inshorensi yomshuwalense unokukhusela intsapho yakho kunye nokukhusela ukunyamezela ubunzima obunzima bezemali.
Inzuzo eyinyaniso yomshuwalense wobomi iza ngokukwazi ukuba uthathe onke amanyathelo okukhusela intsapho yakho kunye nabathandekayo xa ubomi obungenakuhamba njengoko kucwangcisiweyo.
Izinto ezi-3 zokukhunjulwa xa kuthengwa i-Inshurensi yoBomi
Ukuba ugqiba ukuba ukuthenga i-inshorensi yobomi kulungele iimfuno zakho kunye neemfuno zentsapho yakho, zizinto ezimbalwa okumele uzikhumbule:
1. Kubalulekile ukuthenga ngeenxa zonke kumniki-mfanelo kunye nomgaqo-nkqubo. Ngaphambi kokuba wenze nayiphi na iinqununu ezinkulu ze-inshorensi yobomi, kubalulekile ukwenza umsebenzi wesikolo kwaye uxoxe ne-ejensi elayisenisi. Uya kufuna ukuqonda ngokucacileyo kwindlela ozikhethileyo kunye naluphi uhlobo lomgaqo-nkqubo okwazi ukulungelelanisa ngakumbi iimfuno zakho. Kuya kubakho izinto ezinokuthi zichaphazele iindleko zomgaqo-nkqubo wakho, ezona zibonakala zibudala kunye nempilo. Kodwa gcinani engqondweni ukuba ezinye izinto ezifana nembali yakho yekhredithi, iirekhodi zokuqhuba, izinto zokuzilibazisa kunye nendlela yokuphila inokuchaphazela neendleko zomgaqo-nkqubo wakho.
2. Ii-premiums zakho zonyuka ngokukhula. Kwiimeko ezininzi, ii-premiums zakho ziya kunyuka njengoko ubudala bakho bekhuphuka. Isizathu salokhu kukuba njengoko ukhula, unokujamelana neengxaki zempilo ezithengeza i-inshorensi yobomi ebiza kakhulu. Kungaba nzima ukuqwalasela ukuhlawula i-inshorensi yobomi ukuba uneminyaka engama-20 okanye i-30 ubudala, kodwa ukuba unentsapho kunye nabathandekayo ukukhusela, kunokufanelekile.
Ixesha elifanelekileyo lokuthenga i-inshorensi yobomi kungenzeka ukuba ngoku usemncinci kwaye uphilile.
3. Qaphela ukuba iimfuno zakho zingatshintsha. Ukuba ukhetha ukuthenga i-inshorensi yobomi, qiniseka ukuhlaziya umgaqo-nkqubo wakho ngonyaka kwaye xa kwenzeka iziganeko ezinkulu zobomi. Izinto ezibalulekileyo ezifana nomtshato, ukuthenga indlu entsha kunye nokuzala abantwana zizinto zonke ekuqaliseni inani elifanelekileyo lokunika ingxelo.